Had a similar experience myself once—lent my car to a good buddy thinking it'd be fine, and he ended up rear-ending someone at a stoplight. Thankfully...

Couldn't agree more. Had a client a few years back who went with bare minimum coverage to save a few bucks each month. Seemed smart at first, until he...

Had a client once who moved literally two blocks over—same zip code, same driving record—and his premium jumped noticeably. Turns out he'd crossed int...

I've seen perks swing both ways. Had a client who got stranded out near Flagstaff, and that roadside assistance perk he almost dropped ended up saving...

Yeah, I hear ya. Had a client once who skipped accident forgiveness to save a few bucks, then got into a fender-bender just over deductible—ouch. It's...

I've never personally had footage overwritten, but a client of mine did once—he got rear-ended, and by the time he remembered to check, the loop had a...

Yeah, those calculators can be helpful as a starting point, but they're usually pretty optimistic. Adjusters almost always start low—it's part of thei...